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Marshall Community

Marshall, MI · Charter 62160

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in MI3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in MI (n=56). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

88

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

38

Q2 2024Q2 2026peer median

Efficiency

84

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Marshall Community

Marshall, MI · Charter 62160

NCUA · 3 branches

Q2 2026

$371.8MAssets
$239.7MLoans
$304.2MShares
$63.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.10%, up 81 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 2.08% of loans (+23 bps YoY).
  • Capital: net worth / assets of 17.17%, up 75 bps from a year ago.
  • Funding: loans stand at 78.79% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.10%+81 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+33 bps YoY

Efficiency Ratio (YTD, annualized)

63.16%-758 bps YoY

Net Worth / Assets

17.17%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.64%1.40%1.79%2.10%+81 bps
Return on Equity7.90%9.66%8.46%10.77%12.25%+434 bps
Net Interest Margin3.79%4.08%4.02%4.09%4.12%+33 bps
Efficiency Ratio70.74%65.57%68.64%64.41%63.16%-758 bps
Growth
Asset Growth (YoY)6.90%8.17%9.31%6.98%6.16%-74 bps
Loan Growth (YoY)1.90%1.20%0.55%0.13%0.98%-91 bps
Share Growth (YoY)6.42%7.40%8.35%5.96%4.69%-173 bps
Asset Quality
Delinquent Loans / Loans1.85%1.69%1.70%1.23%2.08%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.42%16.96%16.58%16.67%17.17%+75 bps
Net Worth / Assets16.42%16.96%16.58%16.67%17.17%+75 bps
Liquidity & Funding
Loans / Shares81.68%82.51%80.67%78.33%78.79%-289 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Marshall Community

Marshall, MI · Charter 62160 · Peer group: credit unions under $1B in assets in MI (n=56)

NCUA · 3 branches

Q2 2026

$371.8MAssets
$239.7MLoans
$304.2MShares
$63.8MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 88% of credit unions under $1B in assets in MI (rank 7 of 56).
  • Widest gap: nonperforming loans / loans trails 93% of credit unions under $1B in assets in MI (rank 53 of 56).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

2.10%

Rank 7 of 56

Net Interest Margin

4.12%

Rank 20 of 56

Efficiency Ratio

63.15%

Rank 10 of 56

Equity / Assets

17.17%

Rank 7 of 56

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.10%0.74%1.15%1.47%Beats 88%7 / 56
Return on Equity12.25%6.40%9.29%11.51%Beats 80%11 / 56
Net Interest Margin4.12%3.40%3.92%4.36%Beats 64%20 / 56
Efficiency Ratio63.15%65.99%72.16%78.25%Beats 84%10 / 56
Asset Quality
Nonperforming Loans / Loans2.08%0.49%0.84%1.28%Beats 7%53 / 56
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.17%10.20%12.14%14.32%Beats 88%7 / 56
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.17%10.20%12.14%14.32%Beats 88%7 / 56
Liquidity & Funding
Loans / Deposits78.79%52.28%65.96%76.17%79th pctl12 / 56
Loans / Assets64.48%45.34%56.55%67.04%64th pctl20 / 56
Brokered Deposits / Depositsn/aNot reported for this institution